@echowocao: #DOTTORE x #PANTALONE какой автор молодец, пожмите ему горло 😌 #геншинимпакт #геншин #GenshinImpact

echo
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Sunday 16 August 2026 13:29:50 GMT
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rina.txx
Тубату вари вари :
у меня щас истерика случится из-за этой песни от совы и доттолоне😭
2026-08-18 16:05:47
3
qwilcom
йошикагеキラ :
мои любимые
2026-08-16 20:13:16
1
holyshit25_8
°лиса :
УБИЛИ 😭😭
2026-08-19 05:31:26
1
son_098tan
Бебра Егора :
имба ❤️
2026-08-16 13:35:41
2
nisevoou
Сэкай :
Всё не могу налюбоваться этой красотой ☹️
2026-08-16 20:17:54
1
_markkjkk_
mercu :
это слишком грустно
2026-08-17 06:32:54
1
yangmiso
♡ w ִ miso :
ЭТО АХУЕНР
2026-08-17 00:14:39
1
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GO-GO, SLOW-GO, NO-GO Go-go, slow-go, no-go. Your spending has a shape, and it bends down. The strongest argument against this video, which I'd rather you hear from me. Statistics Canada followed a synthetic cohort and found household consumption in the early 70s sitting at 70 percent of the late-40s level, which looks like a big decline, until you adjust for household size. Per adult equivalent it's 95 percent. A 5 percent drop over 26 years. Household size fell from 3.4 people to 1.7. So most of the famous spending decline is fewer people in the house, not each person spending less. Lafrance and LaRochelle-Côté, 2011. The shape is still real. The size of it is softer than the headline. Where the numbers come from. The phases are Michael K. Stein's, from The Prosperous Retirement, 1998, though his own labels were Active, Passive and Final. The Canadian decline rates are Fred Vettese's C.D. Howe Institute e-Brief 238 from 2016: about 1.25 percent a year real in your late sixties, 1.75 through your seventies, 2.75 after 80. Run those on an $80,000 budget at 65 and you get roughly $63,000 at 80 and $48,000 at 90. Note that his book uses a gentler schedule and lands closer to $72,000 and $61,000, so if you check my figures against Retirement Income for Life they won't match. The paper is the source, not the book. David Blanchett's US work found the same shape, real spending falling around 1 percent a year, steepest near 78 for higher spenders, then easing. Easing, not reversing. It never comes back up to your day-one budget, and the late-age upturn people talk about is partly a health-cost assumption Blanchett himself calls subjective. Care costs, current as of July 2026, because the numbers you'll see online are stale. A publicly funded long-term care room: Quebec shared ward $16,744 a year, BC $18,092 to $49,711 depending on your income, Ontario basic $70 a day or $25,550, Alberta shared $25,769 rising 1 August, Nova Scotia $41,610 at $114 a day. Ontario has no private-pay licensed LTC beds at all, so private in Ontario means a retirement residence or private duty nursing, and round-the-clock care at home runs past $180,000 a year. Plan a reserve. It doesn't change the shape of your grocery bill. The curve isn't a warning. It's a schedule. Educational only, not advice. Care rates change every year and vary by province. Verify before you plan around one.
GO-GO, SLOW-GO, NO-GO Go-go, slow-go, no-go. Your spending has a shape, and it bends down. The strongest argument against this video, which I'd rather you hear from me. Statistics Canada followed a synthetic cohort and found household consumption in the early 70s sitting at 70 percent of the late-40s level, which looks like a big decline, until you adjust for household size. Per adult equivalent it's 95 percent. A 5 percent drop over 26 years. Household size fell from 3.4 people to 1.7. So most of the famous spending decline is fewer people in the house, not each person spending less. Lafrance and LaRochelle-Côté, 2011. The shape is still real. The size of it is softer than the headline. Where the numbers come from. The phases are Michael K. Stein's, from The Prosperous Retirement, 1998, though his own labels were Active, Passive and Final. The Canadian decline rates are Fred Vettese's C.D. Howe Institute e-Brief 238 from 2016: about 1.25 percent a year real in your late sixties, 1.75 through your seventies, 2.75 after 80. Run those on an $80,000 budget at 65 and you get roughly $63,000 at 80 and $48,000 at 90. Note that his book uses a gentler schedule and lands closer to $72,000 and $61,000, so if you check my figures against Retirement Income for Life they won't match. The paper is the source, not the book. David Blanchett's US work found the same shape, real spending falling around 1 percent a year, steepest near 78 for higher spenders, then easing. Easing, not reversing. It never comes back up to your day-one budget, and the late-age upturn people talk about is partly a health-cost assumption Blanchett himself calls subjective. Care costs, current as of July 2026, because the numbers you'll see online are stale. A publicly funded long-term care room: Quebec shared ward $16,744 a year, BC $18,092 to $49,711 depending on your income, Ontario basic $70 a day or $25,550, Alberta shared $25,769 rising 1 August, Nova Scotia $41,610 at $114 a day. Ontario has no private-pay licensed LTC beds at all, so private in Ontario means a retirement residence or private duty nursing, and round-the-clock care at home runs past $180,000 a year. Plan a reserve. It doesn't change the shape of your grocery bill. The curve isn't a warning. It's a schedule. Educational only, not advice. Care rates change every year and vary by province. Verify before you plan around one.

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